RAMASUBRAMANIAN R
Credit Underwriting - Bank
Coimbatore
Overview
12
12
years of professional experience
7
7
years of post-secondary education
Work History
Area Credit Head (RoTN –MSE)
Jana Small Finance Bank Ltd
07.2024 - Current
- Handling both Secured NTB & ETB for entire RoTN.
Location Credit Head (LCH- RoTN)
Kotak Mahindra Bank Ltd
02.2023 - 06.2024
- Handling both Secured and Unsecured for entire RoTN
- In-depth knowledge and experience in handling entire credit application process, right from login to disbursement including risk, legal, technical
- Responsible for building quality portfolio & TAT
- Handling team of secured & unsecured Credit Manager
- Analyze risks and approves or reject loan requests.
Area Credit Manager
Axis Bank Ltd
09.2018 - 02.2023
- Proficient and accurate in all aspects of credit analysis and decision making
- Work closely with Credit Managers, Business team to ensure customer credit needs and/or disputes relating to accounts receivable are promptly and accurately handled
- Effectively appraise /underwrite loan
- In depth knowledge and experience in handling entire credit application process, right from login to disbursement including risk, legal, technical, and FI co-ordination Training of CPA & Underwriters along with business team
- Responsible for TAT of delivering sanction letter and disbursement
- Evaluated customers for credit worthiness and potential risk factors
- Analyzed applicant’s financial status and credit and property evaluations to determine loan feasibility
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents
- Handled portfolio size of 2000+books with less than 2% delinquencies.
Asst Manager- Credit Officer
City union Bank
02.2017 - 09.2018
- Credit Officer for Advances who singled handled Rs.380Crore portfolio @ Dindigul Branch
- Leverage relationships with internal/external customers to minimize bad-debt exposure
- Performed strong negotiation with client for loan terms which helped in maintaining books quality
- Obtained and interpreted financial statements to assist in credit limit reviews.
Asst Manager -Credit Officer
City Union Bank
02.2016 - 02.2017
- Effectively managed portfolio size of Rs.500Crores @ Sivakasi Branch
- Negotiate loan terms with clients.
- Oversaw reporting, documentation and record keeping requirements for department.
Asst Manager- Credit Officer
City Union Bank
02.2014 - 02.2016
- Performed credit limit reviews/renewal and enhancement increase review requests from customer & sales teams
- Recommended approval or disapproval of corporate, retail credit loans
- Reviewed and verified income, credit reports and employment histories for each borrower
- Recommended approval or disapproval of loan application of customers
- Collaborated with management to evaluate credit strategies and develop improvements.
Asst. Manager
City Union Bank
07.2012 - 02.2014
- Looked after entire branch operations, Technology services, Cash and Jewel In charge, account openings— role of Assistant Manager Operations in core banking
- Managed daily activities and operations of branch & regulated teller transactions and opened fresh accounts
- Administered quality and coordinated regular staff meetings
- Credit analysis for new borrower and arriving eligibility norms as per banks policy and also supported head in drafting proposals and notes and in formulating action to improve credit evaluation
Education
PGDIM: Business -
EASB- Singapore (Student Exchange program)
06.2011 - 05.2011
PGDM: International Business - undefined
ITMB School Chennai- Chennai
06.2010 - 05.2012
B.Com (Computer Application) - undefined
KSR College of Arts And Science-Tiruchengode Tamil Nadu
06.2007 - 05.2010
Higher Secondary Certificate (HSC) - undefined
SMBM Matric Hr Sec School-Dindigul
06.2005 - 05.2006
Secondary School: SSLC - undefined
JK Matric Hr Sec School-Dindigul Tamil Nadu
06.2003 - 05.2004
Skills
Analytical skills results in Good Judgment
Negotiation and interpersonal skills
Financial acumen Policy application
Relationship building and management
Activities
District Level football player and played for local clubs. Also 200 Meters sprinter participated in various state level competitions
Languages
English
Tamil
Timeline
Area Credit Head (RoTN –MSE)
Jana Small Finance Bank Ltd
07.2024 - Current
Location Credit Head (LCH- RoTN)
Kotak Mahindra Bank Ltd
02.2023 - 06.2024
Area Credit Manager
Axis Bank Ltd
09.2018 - 02.2023
Asst Manager- Credit Officer
City union Bank
02.2017 - 09.2018
Asst Manager -Credit Officer
City Union Bank
02.2016 - 02.2017
Asst Manager- Credit Officer
City Union Bank
02.2014 - 02.2016
Asst. Manager
City Union Bank
07.2012 - 02.2014
PGDIM: Business -
EASB- Singapore (Student Exchange program)
06.2011 - 05.2011
PGDM: International Business - undefined
ITMB School Chennai- Chennai
06.2010 - 05.2012
B.Com (Computer Application) - undefined
KSR College of Arts And Science-Tiruchengode Tamil Nadu
06.2007 - 05.2010
Higher Secondary Certificate (HSC) - undefined
SMBM Matric Hr Sec School-Dindigul
06.2005 - 05.2006
Secondary School: SSLC - undefined
JK Matric Hr Sec School-Dindigul Tamil Nadu
06.2003 - 05.2004
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